JP4653506B2 - Foreign exchange transaction method and bank system using foreign currency deposit - Google Patents

Description

  The present invention relates to a foreign exchange transaction method using foreign currency deposits and a bank system for performing foreign exchange transactions using foreign currency deposits.

  Conventionally, deposits denominated in foreign currencies such as foreign currency ordinary deposits and foreign currency time deposits are known. By selecting foreign currency deposits with higher interest rates compared to yen-denominated deposits, funds can be managed at a high yield. On the other hand, there are cases where higher yields can be obtained due to fluctuations in foreign exchange rates, and there is a risk that the principal will be broken.

  In addition, a service for overdrafting ordinary deposits up to a predetermined limit using time deposits as collateral is known. In the case of foreign currency deposits, overdraft is possible in the same manner (see, for example, Patent Document 1). For example, if you have a yen-denominated time deposit of 2 million yen, a limit of 50% is set as collateral. Overlending the limit of 1 million yen and depositing it into a foreign currency savings deposit for 1 dollar = 100 yen. If 1 dollar = 110 yen, a profit of 100,000 yen can be obtained by withdrawing 1.1 million yen from the foreign currency savings deposit. In this way, it is possible to more flexibly manage foreign currency deposits by using yen or foreign currency time deposits as collateral and conducting exchange transactions.

  Further, in recent years, with the development of networks such as the Internet, customers and financial institutions are connected by a network, and quick transactions can be made without going through a window. In particular, in the case of foreign exchange transactions, it is possible to quickly cope with fluctuations in exchange rates, so that the usefulness of commercial transactions via a network is high.

JP 2003-288484 A

  However, in the conventional banking system, the exchange rate at the time of foreign currency deposit approach / cancellation is a rate for concluding a transaction that is updated several times a day and is not linked to fluctuations in the exchange rate. There was a problem that it was not possible to make a forex transaction.

  Further, in the conventional exchange transaction, when depositing a deposit, it is possible to buy and sell foreign currency within the scope of the deposit. However, in the case of performing a foreign exchange transaction with respect to foreign currency deposits, if there is no balance of foreign currency deposits, as in the example described above, it is only possible to place a buy order for dollars (foreign currency) and not a sell order. That is, there is a problem that flexible foreign currency deposits cannot be managed by performing flexible exchange transactions.

  Furthermore, in order to solve these problems, when considering a foreign exchange transaction with time deposits as collateral, overdraft with time deposits as collateral is a service provided by the accounting system, and in the banking system, It is necessary to coordinate the system with the system for exchange trading.

  The present invention has been made in view of such problems, and the object of the present invention is to flexibly manage foreign currency deposits by performing flexible exchange transactions in conjunction with exchange rate fluctuations. It is to provide a foreign exchange transaction method and a bank system.

In order to achieve such an object, the invention according to claim 1 is characterized in that a yen deposit and foreign currency in a banking system having a customer system connected to a customer terminal, a billing system and a currency exchange management system. In the exchange transaction method using a deposit, the customer system acquires rate information including a first rate that is a rate at which an exchange transaction can be concluded from the exchange transaction management system, and receives the transaction request received from the customer terminal A first step of transmitting to the account system together with information, and an overdraft table in which account information of the time deposit account and liquidity account of each of the customer's yen and foreign currency in the account system is associated with each other is stored are, in the overdraft table, rental of its currency liquid deposits as collateral the balance of time deposits for each currency To do multiplies collateral haircuts to the balance of the time deposit accounts circles and foreign currency, has already pledged amount available after deducting collateral losses which pledged is stored, the accounting system is Based on the second rate stored in advance for collateral calculation, multiply the collateral depositable amount in yen and foreign currency by the second rate to calculate the collateral depositable amount in the currency to be withdrawn a second step that gives said core systems, the collateral and total entrant amount of currency to be dispensed, which is calculated in the second step, the balance of the payment currency liquidity deposit account of the overdraft table And a third step of calculating the total amount that can be withdrawn and storing it in the overdraft table, and the accounting system is based on the first withdrawal amount or deposit amount included in the transaction request information , The total amount available for withdrawal is before If the withdrawal amount is greater than the first withdrawal amount, or if the total withdrawal possible amount is greater than the second withdrawal amount obtained by multiplying the withdrawal amount by the first rate, an exchange transaction is established. A fourth step of notifying the customer terminal of transaction information via the customer system, a fixed deposit account to be collateral included in the transaction request information, a liquid deposit account to be withdrawn and a liquid deposit account to be deposited Based on the information, the accounting system is a fifth step in which the overdraft table is updated, and (1) a collateral depositable amount and a predetermined amount of a time deposit account that uses the collateral necessary for overdraft as the collateral In accordance with the second rate, the collateral depositable amount of the time deposit account according to the given priority is sequentially reduced, and (2) the first withdrawal amount from the balance of the liquid deposit account to be withdrawn Or the second Reducing the withdrawal amount, and (3) updating the balance of the depositing liquid deposit account according to the amount obtained by multiplying the first withdrawal amount by the first rate or the deposit amount. And a sixth step in which the accounting system updates the collateral depositable amount and the collateral deposit amount of the overdraft table each time the second rate is updated. To do.

  According to this configuration, since the balance of the liquid deposit account is updated based on the rate information from the exchange transaction management system, funds can be flexibly operated in conjunction with the exchange rate. In addition, by updating the collateral depositable amount and the balance of the liquid deposit account, overdraft processing with a fixed deposit as collateral can be performed even for a foreign currency selling order.

The invention according to claim 2 is a foreign exchange transaction method using yen deposits and foreign currency deposits in a bank system having a customer system connected to a customer terminal, a billing system, and a foreign exchange transaction management system. the transaction request information received from the terminal of the customer, the first step of transmitting to the accounting system, before Symbol accounting systems, account information of the customer circle and foreign each time deposits accounts and fluidity account There are stored the overdraft tables associated with each other, the said overdraft table, in order to perform the overdraft of currency liquid deposits as collateral the balance of time deposits for each currency, circles and foreign each time deposit of multiplied by the collateral haircuts to the account of the balance, has already pledged the amount available after deducting the collateral losses that were pledged as collateral is stored The accounting system is based on the second rate for the calculation of collateral are stored in advance, multiplies the second rate to a circle and each collateral amount available for foreign, collateral currency is dispensed a second step that gives compute the entrant amount, the accounting system is the sum of the pledged amount available currency dispensing calculated in the second step, the flow of currency dispensing of the overdraft table A third step of calculating a total amount that can be withdrawn by adding up the balance of the sex deposit account and storing it in the overdraft table, and wherein the accounting system includes a first withdrawal amount included in the transaction request information or Based on the deposit amount, the total withdrawal amount is greater than the first withdrawal amount, or the total withdrawal amount is obtained by multiplying the deposit amount by the limit specified in the transaction request information. Greater than the third withdrawal amount If a fourth step of notifying the customer terminal via said customer system transaction information to the effect that transaction is established, regular account to collateral contained in the transaction request information, payment to fluidity account and based on the information of the liquidity account for payment, the accounting system is a fifth step of updating the overdraft table, (1) the necessary collateral overdraft, time deposit account to the collateral From the collateral depositable amount and the collateral depositable amount of the time deposit account according to a predetermined priority order, the amount is sequentially reduced based on the second rate, and (2) from the balance of the liquid deposit account to be withdrawn A fifth step of updating the overdraft table by reducing the first withdrawal amount or the third withdrawal amount, and the customer system uses the exchange price specified in the transaction request information as the limit transaction management Shi A sixth step of notifying the system, a seventh step in which the customer system receives information including the rate matching the limit price from the exchange transaction management system and transmits it to the account system, and the account system. An eighth step of updating the overdraft table according to an amount obtained by multiplying the balance of the liquid deposit account to be deposited by a rate that matches the limit value to the first withdrawal amount or the deposit amount; The account system includes a ninth step of updating the collateral depositable amount and the collateral deposit amount of the overdraft table each time the second rate is updated .

According to a third aspect of the present invention, there is provided a bank system having a customer system connected to a customer terminal, a billing system and a foreign exchange transaction management system, and performing a foreign exchange transaction using a yen deposit and a foreign currency deposit. Obtains rate information including a first rate that is a rate at which a foreign exchange transaction can be concluded from the exchange transaction management system, and sends it to the accounting system together with the transaction request information received from the customer terminal, accounting system, the provided customer account information circles and foreign each time deposits accounts and liquid deposits accounts is stored overdraft tables associated with each other, the said overdraft table for each currency time deposits in order to perform the overdraft of liquid deposits of its currency as collateral balance, multiplied by the collateral haircuts to the balance of the time deposit account of the circle and foreign currency, In which is stored collateral amount available after deducting collateral losses which pledged in advance based on the second rate for the calculation of the stored and are secured, circles and foreign each collateral possible multiplying the second rate to the forehead, issued calculate the collateral amount available currency dispensing, the sum of the pledged amount available currency the dispensing, the fluidity of the currency dispensing of the overdraft table The total amount that can be withdrawn is calculated by adding the balance of the deposit account and stored in the overdraft table, and the total amount that can be withdrawn based on the first withdrawal amount or the amount of receipt included in the transaction request information If the amount is greater than the withdrawal amount, or if the total amount available for withdrawal is greater than the second withdrawal amount obtained by multiplying the deposit amount by the first rate, an exchange transaction is established. Transaction information is sent to the customer via the customer system. Based on the information on the fixed deposit account to be collateral included in the transaction request information, the liquid deposit account to be withdrawn and the liquid deposit account to be deposited, and (1) the collateral necessary for overdraft, The collateral depositable amount of the fixed deposit account to be collateral and the collateral depositable amount of the fixed deposit account according to a predetermined priority order are sequentially reduced based on the second rate, and (2) the withdrawal is made The first withdrawal amount or the second withdrawal amount is reduced from the balance of the liquid deposit account, and (3) the balance of the liquid deposit account to be deposited is changed to the first withdrawal amount. By updating according to the amount obtained by multiplying the first rate or the deposit amount, the overdraft table is updated, and each time the second rate is updated, the collateral depositable amount of the overdraft table and Update the collateral deposit amount It is characterized by that.

According to a fourth aspect of the present invention, there is provided a bank system having a customer system connected to a customer terminal, a billing system, and a foreign exchange transaction management system, and performing a foreign exchange transaction using a yen deposit and a foreign currency deposit. Transmits the transaction request information including the limit order received from the customer's terminal to the account system, and notifies the exchange transaction management system of the limit specified in the transaction request information. the to accept limit orders, account information of the previous SL customer circles and foreign each time deposits accounts and liquid deposits accounts are stored overdraft tables associated with each other, the overdraft table, currency in order to perform the overdraft of liquid deposits of its currency as collateral the balance of time deposits in each, the collateral haircuts to the balance of the time deposit account of the circle and foreign currency Calculated and already been stored collateral amount available after deducting collateral losses which pledged, based on the second rate for the calculation of collateral are stored in advance, the collateral circles and foreign said second rate is multiplied by SaIri amounts issues calculate the collateral amount available currency dispensing, the sum of the pledged amount available currency the dispensing and dispensing of the overdraft table currency The total amount that can be withdrawn is calculated by adding up the balance of the current liquid deposit account , stored in the overdraft table, and based on the first withdrawal amount or deposit amount included in the transaction request information, the withdrawal amount is calculated. When the total possible amount of money is larger than the amount of withdrawal, or when the total amount of withdrawal is larger than the third converted amount obtained by multiplying the amount of money received by the limit specified in the transaction request information, Transaction information indicating that the transaction has been completed (1) Overdraft based on the information on the fixed deposit account to be collateral included in the transaction request information, the liquid deposit account to be withdrawn and the liquid deposit account to be deposited The collateral necessary for the above is reduced in order from the collateral depositable amount of the time deposit account to be collateral and the collateral depositable amount of the time deposit account according to a predetermined priority order based on the second rate, (2) updating the overdraft table by reducing the first withdrawal amount or the third withdrawal amount from the balance of the liquid deposit account to be withdrawn and updating the overdraft table; When the customer system receives the information including the rate matching the limit price from the exchange transaction management system and transmits the information to the account system, the account system is requested to complete the limit transaction. The balance of the liquid deposit account to be filled is updated according to the amount obtained by multiplying the first withdrawal amount by the rate matching the limit or the deposit amount , and the second rate is Each time it is updated, the collateral depositable amount and the collateral deposit amount in the overdraft table are updated .

  As described above, according to the present invention, the account system in the bank system performs overdraft processing with a fixed deposit as collateral, acquires rate information from the exchange transaction management system via the customer system, and liquid deposits. Since the balance of the account is updated, it becomes possible to perform more flexible fund management by performing flexible exchange transactions in conjunction with exchange rates.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the bank system of this embodiment, in order to enable the operation of foreign currency deposits linked to foreign exchange rates, a customer system linked to an accounting system and a foreign exchange transaction management system is constructed.

  FIG. 1 shows a bank system according to an embodiment of the present invention. The bank system 10 has a customer system 11 connected to customer terminals 15 a to 15 c via the Internet 14. The customer system 11 is connected to a billing system 12 and a currency exchange management system 13.

  For example, it is assumed that a transaction request related to the transfer process is transmitted from the customer terminal 15. The customer system 11 receives a transaction request from the customer, accesses the account system 12 to perform necessary deposit / withdrawal processing, and returns the result to the customer terminal 15. Further, it is assumed that a transaction request for foreign exchange is transmitted from the customer terminal 15. The customer system 11 receives a transaction request from a customer, accesses the account system 12 to perform deposit / withdrawal processing, accesses the exchange transaction management system 13 and transfers information necessary for the transaction. The exchange transaction management system 13 is connected to the exchange dealing system 16 and establishes a transaction relating to foreign exchange in conjunction with the exchange dealing system 16.

  FIG. 2 shows a configuration of a customer system according to an embodiment of the present invention. The customer system 11 stores a web server 22 for exchanging information with the customer terminal 15 via the web, access information such as a customer identification number and password, account information of an account owned by the customer, and the like. The transaction processing server 21 is connected to the customer database 23. The transaction processing server 21 is connected to a system interface 24 for connecting to the billing system 12 and the exchange transaction management system 13.

  The customer transmits a transaction request including access information from the customer terminal 15 to the web server 22 via the Internet 14. The web server 22 accesses the customer database 23, performs authentication based on the access information, and transmits a transaction request to the transaction processing server 21 if the authentication result is correct. The transaction processing server 21 accesses the billing system 12 and the exchange transaction management system 13 via the system interface 24 to establish the requested transaction. A method for performing a foreign exchange transaction with such a configuration using yen or a foreign currency time deposit as collateral will be described below.

  FIG. 3 shows an exchange transaction method using foreign currency deposits according to an embodiment of the present invention. The transaction processing server 21 receives transaction request information from a customer via the web server 22 (S301). The transaction request information is information including the account number of the withdrawal account, the withdrawal amount, the account number of the deposit account, and the like. Here, withdrawals are made from yen-denominated liquid deposits (ordinary or current deposits) (hereinafter referred to as yen liquidity) using yen-denominated time deposits (hereinafter referred to as yen terminology) as collateral, and dollar-denominated liquid deposits (hereinafter referred to as yen deposits). The case of depositing into dollar liquidity) will be explained. In this embodiment, in order to simplify the explanation, the balance of yen liquidity, which is a withdrawal account, is assumed to be 0 yen. The transaction processing server 21 accesses the exchange transaction management system 13 and obtains rate information including a rate that can be concluded between the yen and the dollar (first rate) (S302).

  In step S302, the transaction processing server 21 accesses the exchange transaction management system 13 and acquires rate information. However, the exchange information may be periodically transmitted from the exchange transaction management system 13 to the transaction processing server 21.

  Further, the transaction processing server 21 detects customer account information from the customer database 23 based on the access information, and accesses the account system 12 based on the detected account information. The transaction processing server 21 transmits the withdrawal request amount information to the account system 12, and requests the balance of the customer's account, the withdrawal amount, etc. (S303).

  Here, the customer's account is managed as a general account in the account system 12. That is, in addition to yen fixed term and yen liquidity, dollar-denominated time deposits (hereinafter referred to as dollar term), dollar liquidity, euro-denominated time deposits (hereinafter referred to as euro term) and euro-denominated liquid deposits (hereinafter referred to as “dollar term”). Euro liquidity) is managed as one general account. FIG. 4 shows an initial state of the overdraft table of the accounting system. The account system 12 stores a fixed deposit overdraft table shown in FIG. 4A and a liquid deposit overdraft table shown in FIG. 4B.

The account system 12 uses the evaluation rate to calculate the collateral depositable amount from the balance of each account (Formula 1), and calculates the possible withdrawal amount for each account (Formula 2).
(Time deposit balance x Collateral item)-Collateral deposit amount = Collateral depositable amount (1)
Positive balance of liquid deposits + possible collateral deposit amount = possible withdrawal amount (2)
The evaluation rate (second rate) is a rate for calculating the collateral depositable amount and is stored in the account system 12 in advance. Here, the evaluation rate is assumed to be 1 dollar = 99 yen and 1 euro = 130 yen, and is constant until the price washing described later is performed. Further, it is assumed that a limit amount of 50% is set as the collateral item. Referring to Figure 4, the positive balance of collateral deposits and liquidity deposits, which are withdrawal accounts, is 0 yen each, so it is 500,000 yen from the yen period, 495,000 yen from the dollar period (5,000 yen x 99 yen), and The amount that can be withdrawn by currency is calculated from 650,000 yen (5,000 euros x 130 yen) from the Euro period. Therefore, the total amount that can be withdrawn is totaled to calculate the total amount that can be withdrawn 1,645,000 yen (S304). The total amount that can be withdrawn is also stored in the overdraft table.

  The billing system 12 transmits the calculated total amount that can be withdrawn to the transaction processing server 21 as the amount that can be withdrawn (S305). The transaction processing server 21 creates transaction information if the total possible withdrawal amount included in the possible withdrawal amount information is greater than the withdrawal amount included in the transaction request information, and the total possible withdrawal amount is greater than the withdrawal amount. If it is smaller, the transaction failure information is created. The transaction information includes the amount of money withdrawn, the rate that can be concluded, and the amount of money to be deposited as a result of the dollar liquidity. For example, information such as the total amount that can be withdrawn may be included in the transaction information. Transaction information or transaction failure information is notified to the customer via the web server 22 (S306).

  After confirming the contents of the transaction information, the customer transmits the transaction confirmation information to the transaction processing server 21 (S307). The transaction confirmation information includes the contents of the transaction accepted by the transaction request information (for example, withdrawing the withdrawal amount X yen from the yen liquidity and depositing the dollar liquidity with the yen regularity as collateral). When the transaction processing server 21 transmits deposit / withdrawal information including transaction confirmation information to the account system 12 (S308), the account system 12 performs deposit / withdrawal processing for the withdrawal account and the deposit account (S309). When the transaction processing server 21 receives the deposit / withdrawal completion information for notifying the completion of the deposit / withdrawal processing from the account system 12 (S310), the transaction processing server 21 requests the exchange transaction management system 13 to conclude the exchange transaction (S311). The transaction completion information is transmitted to the customer terminal 15 (S312).

  As a first example, with the yen regularity as collateral, we will withdraw 100,000 yen from yen liquidity and deposit into dollar liquidity. That is, the purchase order of the dollar (foreign currency) described above will be described. The possible yen-dollar rate is 1 dollar = 100 yen. In the present embodiment, the calculation of the overdraft interest rate is omitted.

  As shown in Fig. 5, based on the deposit / withdrawal information, 100,000 yen collateral is inserted from the yen period, and the yen collateral depositable amount is reduced by the amount of withdrawal amount and added to the collateral deposit amount. . Next, 100,000 yen is withdrawn from the yen liquidity and $ 1,000 is deposited into the dollar liquidity according to the possible rate. The accounting system 12 performs such deposit / withdrawal processing on each deposit account. In this way, the accounting system 12 calculates the collateral depositable amount from the balance of the fixed deposit account based on the evaluation rate, and the balance of the liquid deposit account that becomes the collateral depositable amount and the withdrawal account The amount of withdrawal in the transaction confirmation information is reduced from the total of the above, and the balance of the liquid deposit account that becomes the deposit account is updated based on the signable rate. Therefore, more flexible fund management can be performed by performing a flexible exchange transaction linked to the exchange rate.

  As a second example, $ 10,000 is deposited from yen liquidity to dollar liquidity. In this case, the amount of collateral that can be collateralized by the yen is insufficient, so collateral is inserted in the order of dollar and euro. This priority order is determined in advance and stored as account information of the account system 12. The possible yen-dollar rate is 1 dollar = 100 yen. The accounting system 12 updates the overdraft table as shown in FIG. Collateral of 500,000 yen is inserted from the yen regular, 5,000 dollars (× 99 yen = 495,000 yen) is collateralized from the dollar period, and collateral of 38.46 euros (× 130 yen = 5,000 yen) is inserted from the euro period. 1,000,000 yen will be withdrawn from the yen liquidity, and $ 10,000 will be deposited into the dollar liquidity according to the possible rate.

  The third example uses $ 1,000 as a collateral to deposit $ 1,000 from dollar liquidity into yen liquidity. That is, the selling order of dollars (foreign currency) will be described. Here, it is assumed that the dollar-yen conclusion possible rate is 1 dollar = 98 yen. The accounting system 12 updates the overdraft table as shown in FIG. The collateral of 99,000 yen ($ 1,000) is inserted from the yen regularity, and $ 1,000 is withdrawn from the dollar liquidity. With this 1,000 dollars, 98,000 yen will be credited into the yen liquidity according to the signable rate. In this way, by updating the collateral depositable amount and the balance of the liquid deposit account, overdraft processing using a fixed deposit as collateral can be performed even for a foreign currency selling order.

  The fourth example deposits $ 10,000 from yen liquidity to yen liquidity. In this case, the amount of collateral that can be collateralized is not sufficient, so as described above, collateral is also inserted from the dollar period. Assume that the dollar-yen tie-up rate is 1 dollar = 98 yen. The billing system 12 updates the overdraft table as shown in FIG. Collateral of 500,000 yen ($ 5,050.50 x 99 yen) is inserted from the yen regular, $ 4,949.50 collateral is inserted from the dollar regular, and $ 10,000 ($ 5,050.50 + $ 4,949.50) is withdrawn from dollar liquidity. With this 10,000 dollars, 980,000 yen will be credited into the yen liquidity according to the conclusion possible rate.

  As a fifth example, a case where price washing is performed by batch processing after the deposit / withdrawal processing shown in FIG. 8 will be described. Since the evaluation rate is updated several times a day, the overdraft table is updated by batch processing for each update. As shown in FIG. 3, the billing system 12 updates the stored overdraft table according to the updated evaluation rate by batch processing (S313).

  Here, it is assumed that the evaluation rate has been updated from 1 dollar = 99 yen to 90 yen and 1 euro = 130 yen to 120 yen. The billing system 12 updates the overdraft table as shown in FIG. The collateral of 500,000 yen inserted from the yen period will be $ 5,555.56 (500,000 yen / 90 yen) according to the updated evaluation rate, so the collateral deposit from the dollar period will be $ 4,444.44 ($ 10,000-$ 5,555.56) Updated to Therefore, the amount of collateral that can be collateralized on a regular basis is also updated to $ 555.56 ($ 5,000-$ 4,444.44). In this way, since the collateral deposit amount and the collateral depositable amount are updated according to the update of the evaluation rate, a flexible exchange transaction can be performed, and more flexible foreign currency deposits can be operated.

  Next, the case where the dollar liquidity is credited after the price washing process shown in FIG. 9 will be described. Here, it is assumed that the possible yen-dollar rate is 1 dollar = 89 yen. The billing system 12 updates the overdraft table as shown in FIG. Withdrawal of 890,000 yen (10,000 dollars x 89 yen) from yen liquidity and deposit into dollar liquidity The balance of dollar liquidity will be 0, and 90,000 yen remaining in yen liquidity will be profit. Also, according to the priority order decided in advance, overdraft (500,000 yen + $ 4,444.44 x 90 yen = 900,000 yen) will be settled. The $ 4,444.44 collateral deposit from the dollar period will be updated to $ 0 and the collateral deposit of $ 555.56 will be updated to $ 5,000. Furthermore, the collateral deposit amount of 500,000 yen from the regular yen will be updated to 0, and the collateral deposit possible amount of 0 yen will be updated to 500,000 yen. In this manner, exchange profits can be obtained by buying back dollars (foreign currency) in response to the selling order of dollars (foreign currency) described with reference to FIG.

  As a sixth example, a case where a limit order is placed will be described. FIG. 11 shows a sequence after step S307 in FIG. The transaction processing server 21 receives transaction confirmation information including a limit order from the customer (S307). For example, as shown in FIG. 9, it is assumed that when a possible yen-dollar closing rate of 1 dollar = 89 yen is accepted as a limit, a transaction for depositing from dollar liquidity to dollar liquidity is accepted. The transaction processing server 21 transfers limit order information to the account system 12 (S401). The account system 12 accepts the collateral depositable amount, collateral deposit amount, and withdrawal amount in the overdraft table as the limit target amount, that is, transaction request information, when collateral is newly required in the limit order It is updated according to the amount of money withdrawn (S411). Such deposit / withdrawal processing is performed to avoid situations where limit transactions are not secured due to lack of collateral due to other transactions performed between the limit order and the transaction being completed. Because.

  When the deposit / withdrawal process is completed, the billing system 12 transmits a completion notification to the transaction processing server 21 (S402). In response to this, the transaction processing server 21 transfers the limit order information to the exchange transaction management system 13 (S403). The exchange transaction management system 13 performs a process of accepting a limit order with the exchange dealing system 16, and returns limit order acceptance information (S404). The transaction processing server 21 of the customer system 11 transfers the limit order acceptance information to the customer terminal 15 (S405).

  The exchange transaction management system 13 monitors the exchange rate with the exchange dealing system 16, and when the yen-dollar conclusion possible rate is 1 dollar = 89 yen, that is, matches the limit price, the rate information matching the limit price is obtained. The limit transaction establishment information including is transmitted to the transaction processing server 21 (S406). The transaction processing server 21 transmits the deposit / withdrawal information including the transaction confirmation information to the account system 12 as in the case shown in FIG. 3 (S308). As shown in FIG. 9, the billing system 12 performs a deposit / withdrawal process for a withdrawal account and a deposit account (S412). When the deposit / withdrawal process ends, the billing system 12 transmits a completion notification to the transaction processing server 21 (S407). In response to this, the transaction processing server 21 transmits transaction completion information to the customer terminal 15 (S312).

It is a block diagram which shows the bank system concerning one Embodiment of this invention. It is a block diagram which shows the structure of the customer system concerning one Embodiment of this invention. It is a sequence diagram which shows the exchange transaction method using the foreign currency deposit concerning one Embodiment of this invention. It is a figure which shows the initial state of the overdraft table of an account type | system | group system. It is a figure which shows the overdraft table at the time of overdrafting from a yen regularity. It is a figure which shows the overdraft table at the time of overdrafting from a yen periodical, dollar periodical, and euro periodical. It is a figure which shows the overdraft table in the case of depositing | paying from dollar liquidity to yen liquidity. It is a figure which shows the overdraft table at the time of overdrafting from a yen period and a dollar period, and depositing from dollar liquidity to yen liquidity. It is a figure which shows the overdraft table changed by the price washing process. It is a figure which shows the overdraft table after money_receiving | payment to dollar liquidity. It is a sequence diagram which shows the exchange transaction method using the foreign currency deposit in the case of placing a limit order.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Bank system 11 Customer system 12 Account system 13 Exchange transaction management system 14 Internet 15a-15c Customer terminal 21 Transaction processing server 22 Web server 23 Customer database 24 System interface

Claims (4)

In a foreign exchange transaction method using yen deposits and foreign currency deposits in a banking system having a customer system connected to a customer terminal, an accounting system and a foreign exchange transaction management system,
The customer system acquires rate information including a first rate that is a rate at which a foreign exchange transaction can be concluded from the foreign exchange transaction management system, and transmits it to the accounting system together with the transaction request information received from the customer terminal. A first step to:
In the accounting system, the are circular and foreign currency account information for each regular savings account and fluidity account customer is stored overdraft tables associated with each other, the overdraft table, time deposits for each currency In order to overdraft liquid deposits in that currency using the balance of collateral as a collateral, the balance of each time deposit account in yen and foreign currency is multiplied by the collateral item and the collateral deposit that has already been collateralized is subtracted The possible amount is stored, and the accounting system multiplies the collateral depositable amount of yen and foreign currency by the second rate based on the second rate stored in advance and used for calculating collateral. a second step that gives compute the collateral amount available currency dispensing,
The accounting system sums the total collateral depositable amount calculated in the second step and the balance of the liquid deposit account in the currency to be withdrawn from the overdraft table. A third step of calculating a possible total amount and storing it in the overdraft table ;
When the account system is based on a first withdrawal amount or a withdrawal amount included in the transaction request information, the withdrawal possible total amount is larger than the first withdrawal amount, or the withdrawal possible total When the amount is larger than the second withdrawal amount obtained by multiplying the deposit amount by the first rate, the customer terminal is notified via the customer system of transaction information indicating that a foreign exchange transaction has been established. The fourth step;
In the fifth step, the accounting system updates the overdraft table based on information on the fixed deposit account to be collateral included in the transaction request information, the liquid deposit account to be withdrawn and the liquid deposit account to be deposited There,
(1) Based on the second rate, the collateral necessary for overdraft is determined from the collateral depositable amount of the time deposit account used as the collateral and the collateral depositable amount of the time deposit account according to a predetermined priority. Reduce in order,
(2) reducing the first withdrawal amount or the second withdrawal amount from the balance of the liquid deposit account to be withdrawn;
(3) a fifth step of updating the balance of the liquid deposit account to be deposited according to an amount obtained by multiplying the first withdrawal amount by the first rate or the deposit amount ;
The account system comprises a sixth step of updating the collateral depositable amount and the collateral deposit amount of the overdraft table each time the second rate is updated. Forex trading method. In a foreign exchange transaction method using yen deposits and foreign currency deposits in a banking system having a customer system connected to a customer terminal, an accounting system and a foreign exchange transaction management system,
A first step in which the customer system transmits transaction request information received from the customer's terminal to the billing system;
In the accounting system, the are circular and foreign currency account information for each regular savings account and fluidity account customer is stored overdraft tables associated with each other, the overdraft table, time deposits for each currency In order to overdraft liquid deposits in that currency using the balance of collateral as a collateral, the balance of each time deposit account in yen and foreign currency is multiplied by the collateral item and the collateral deposit that has already been collateralized is subtracted The possible amount is stored, and the accounting system multiplies the collateral depositable amount of yen and foreign currency by the second rate based on the second rate stored in advance and used for calculating collateral. a second step that gives compute the collateral amount available currency dispensing,
The accounting system sums the total collateral depositable amount calculated in the second step and the balance of the liquid deposit account in the currency to be withdrawn from the overdraft table. A third step of calculating a possible total amount and storing it in the overdraft table ;
When the account system is based on a first withdrawal amount or a withdrawal amount included in the transaction request information, the withdrawal possible total amount is larger than the first withdrawal amount, or the withdrawal possible total If the amount is larger than the third withdrawal amount obtained by multiplying the deposit amount by the limit specified in the transaction request information, transaction information indicating that a transaction is established is sent to the customer via the customer system. A fourth step of notifying the terminal;
In the fifth step, the accounting system updates the overdraft table based on information on the fixed deposit account to be collateral included in the transaction request information, the liquid deposit account to be withdrawn and the liquid deposit account to be deposited There,
(1) Based on the second rate, the collateral necessary for overdraft is determined from the collateral depositable amount of the time deposit account used as the collateral and the collateral depositable amount of the time deposit account according to a predetermined priority. Reduce in order,
(2) a fifth step of updating the overdraft table by reducing the first withdrawal amount or the third withdrawal amount from the balance of the liquid deposit account to be withdrawn;
A sixth step in which the customer system notifies the exchange transaction management system of a limit specified in the transaction request information;
A seventh step in which the customer system receives information including the rate matching the limit price from the exchange transaction management system and transmits the information to the accounting system;
The accounting system updates the overdraft table in accordance with the amount obtained by multiplying the balance of the liquid deposit account to be deposited by the first withdrawal amount by a rate that matches the limit price or the deposit amount. The eighth step ;
The account system comprises a ninth step of updating the collateral depositable amount and the collateral deposit amount of the overdraft table each time the second rate is updated. Forex trading method. In a banking system that has a customer system connected to a customer terminal, an accounting system and a foreign exchange transaction management system, and performs a foreign exchange transaction using yen deposits and foreign currency deposits,
The customer system is
Obtaining rate information including a first rate that is a rate at which a foreign exchange transaction can be concluded from the exchange transaction management system, and transmitting it to the accounting system together with the transaction request information received from the customer terminal,
The accounting system is
The overdraft table in which the account information of the customer's yen and foreign currency time deposit account and liquidity account is associated with each other is stored , and the overdraft table uses the balance of the time deposit for each currency as collateral. In order to overdraft liquidity deposits in currency, the balance of yen and foreign currency time deposit accounts is multiplied by the collateral item, and the collateral available amount is stored after subtracting the collateral deposit amount already provided as collateral. And
Based on the second rate for the calculation of collateral are previously stored, circles and foreign currency to said second rate by multiplying each collateral amount available, calculated out the collateral amount available currency dispensing ,
Wherein the sum of the pledged amount available currency dispensing calculates a withdrawal possible total by summing the balance of liquid deposits account currency dispensing of the overdraft table stored in the overdraft table ,
Based on the first withdrawal amount or deposit amount included in the transaction request information, when the total withdrawal amount is larger than the withdrawal amount, or the withdrawal total amount is the first deposit amount. If it is larger than the second withdrawal amount obtained by multiplying the rate, the transaction information to the effect that the exchange transaction is established is notified to the customer terminal via the customer system,
Based on the information of the fixed deposit account to be collateral included in the transaction request information, the liquid deposit account to be withdrawn and the liquid deposit account to be deposited,
(1) Based on the second rate, the collateral necessary for overdraft is determined from the collateral depositable amount of the time deposit account used as the collateral and the collateral depositable amount of the time deposit account according to a predetermined priority. Reduce in order,
(2) reducing the first withdrawal amount or the second withdrawal amount from the balance of the liquid deposit account to be withdrawn;
(3) the balance of fluidity account for the deposit, by updating accordance amount or the deposited amount obtained by multiplying the first rate to said first dispensing amount, and updates the overdraft table ,
Each time the second rate is updated, the collateral depositable amount and the collateral deposit amount of the overdraft table are updated . In a banking system that has a customer system connected to a customer terminal, an accounting system and a foreign exchange transaction management system, and performs a foreign exchange transaction using yen deposits and foreign currency deposits,
The customer system is:
Transaction request information including the limit order received from the customer's terminal is transmitted to the billing system,
In order to accept the limit order, the billing system
Is stored the previous SL overdraft table customer account information circles and foreign each time deposits accounts and liquid deposits account associated with each other, the said overdraft table, as collateral the balance of time deposits for each currency In order to carry out overdraft of liquid deposits in that currency, the balance of each time deposit account in yen and foreign currency is multiplied by the collateral item, and the collateral depositable amount is stored after subtracting the collateral deposit amount already provided as collateral. And
Based on the second rate for the calculation of collateral are previously stored, circles and foreign currency to said second rate by multiplying each collateral amount available, calculated out the collateral amount available currency dispensing ,
Wherein the sum of the pledged amount available currency dispensing calculates a withdrawal possible total by summing the balance of liquid deposits account currency dispensing of the overdraft table stored in the overdraft table ,
Based on the first withdrawal amount or deposit amount included in the transaction request information, when the total withdrawal possible amount is larger than the withdrawal amount, or the withdrawal total amount is included in the withdrawal amount as the transaction request If it is larger than the third converted amount obtained by multiplying the limit specified by the information, the transaction information that the transaction is completed is notified to the customer terminal via the customer system,
Based on the information of the fixed deposit account to be collateral included in the transaction request information, the liquid deposit account to be withdrawn and the liquid deposit account to be deposited,
(1) Based on the second rate, the collateral necessary for overdraft is determined from the collateral depositable amount of the time deposit account used as the collateral and the collateral depositable amount of the time deposit account according to a predetermined priority. Reduce in order,
(2) updating the overdraft table by reducing the first withdrawal amount or the third withdrawal amount from the balance of the liquid deposit account to be withdrawn and updating the overdraft table;
The customer system is:
Notify the limit specified in the transaction request information to the exchange transaction management system,
When information including a rate matching the limit price is received from the exchange transaction management system and transmitted to the accounting system,
In order to complete the limit transaction, the billing system
Updating the overdraft table according to the amount obtained by multiplying the balance of the liquid deposit account to be deposited by the rate corresponding to the limit to the first withdrawal amount or the deposit amount ;
Each time the second rate is updated, the collateral depositable amount and the collateral deposit amount of the overdraft table are updated .

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